IIGNC
What year was IIGNC born?
2015
Yes or no, does your vehicle liability extend to what you're towing?
Yes
How many vehicles can you have on a NC auto policy?
Varies by carrier - some allow up to 9+
Standard homeowners policies typically exclude this type of water damage caused by rising ground water.
What is Flood damage?
Are RED vehicles more expensive to insure?
No - What is a myth?
What is our main Ultra preferred carrier?
Who is Erie insurance?
This additional liability policy provides coverage above home and auto liability limits.
What is an Umbrella policy?
IF you let someone borrow your car and they have a wreck, does that go against your auto policy?
Yes! Accidents, claims follow the car NOT the driver
Can you have a homeowner's policy on a home you rent out to someone else, even if it's family?
No - they need a Rental Dwelling policy or as John calls it a "Dwelling Fire policy"
This term describes the amount you must pay out of pocket before insurance kicks in.
What is a Deductible?
What two teams does IIGNC have?
Sales & Service
If your neighbor's kid is jumping on your trampoline and falls off and breaks their arm - are you liable?
Yes!
If you have a crack in your windshield, would that be covered under your comprehensive or collision coverage?
What is Comprehensive coverage?
Are your toys (motorcycles, ATV, UTV) covered under your Homeowener's policy?
No - anything with a motor (except lawn equipment) would need it's own separate policy
This famous sinking ship in 1912 led to massive marine insurance claims.
What is the Titanic?
How large is our book of business?
$41 million
This coverage might apply if your dog bites your neighbor.
What is Personal Liability coverage?
In North Carolina, this is the minimum bodily injury liability limit required per person in an auto policy?
$50,000
This coverage protects belongings like furniture, clothing, and electronics.
What is Coverage C (Personal Property)?
This U.S. city is known as the “Insurance Capital of the World.”
What is Hartford, Connecticut?
How many locations does IIGNC have? (2026)
6!
This legal concept must generally be proven for liability coverage to apply in a bodily injury claim.
What is negligence?
In NC, this coverage protects drivers when the at-fault party has no insurance at all.
What is Uninsured Motorist (UM) coverage?
This loss settlement method pays to replace damaged property without deduction for depreciation.
What is Replacement Cost coverage?
This hurricane in 2005 became one of the costliest insurance disasters in U.S. history.
What is Hurricane Katrina?